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Cheapest Car Insurance Companies and Quotes in Maine

Finding affordable car insurance in Maine requires you to compare car insurance quotes and premiums from various insurance carriers. MoneyGeek listed the cheapest car insurance in Maine based on typical annual premiums for an average driver with comprehensive and collision coverage.

Average Comprehensive and Collision Rates in Maine

These numbers are averages, not exact rates. Personalized quotes are dependent upon the driver’s individual circumstances. Insurance carriers consider your age, driving record, age of the vehicle, credit score, ZIP code and more. Each carrier utilizes its own algorithm for evaluating a driver, so compare quotes from several companies to find the best deal.

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Cheapest Liability Car Insurance in Maine

For standard coverage in Maine, the most affordable option is USAA. However, this company only serves veterans, current military personnel and their families. The next cheapest option is GEICO for both state minimum and 50/100/50 liability-only coverage. Minimum coverage may not pay for all of the expenses resulting from an accident. Consider collision and comprehensive coverage for enhanced protection for both you and your vehicle.

Average Cost for Liability Coverage

The Best Car Insurance Companies in Maine for 2021

Combining the results of J.D. Power’s U.S. Auto Insurance Study and AM Best’s financial strength ratings with industry standards on rating and reviewing insurers, MoneyGeek calculated each insurance provider’s final rating out of 100.

Aside from looking for affordable car insurance in Maine, drivers should consider other relevant factors like claims experience, customer satisfaction and financial strength to find the best car insurance.

Expand All Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

State FarmScore: 92.5
+

4/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

3

GEICOScore: 92.5
+

4/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

4

AllstateScore: 87.5
+

4/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

NationwideScore: 85
+

3/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

6

ProgressiveScore: 82.5
+

3/5

User Satisfaction

2/5

Claims Ratings

4/5

Affordability

A+

Financial Stability

7

TravelersScore: 80
+

2/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A++

Financial Stability

8

HanoverScore: 77.5
+

3/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A

Financial Stability

9

MetLifeScore: 77.5
+

2/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A+

Financial Stability

10

Liberty MutualScore: 75
+

2/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A

Financial Stability

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

If you want affordable car insurance in Maine with a reliable company that provides a high level of customer service, you may want to obtain a personalized quote from one or more of the top insurance companies operating in the state. In Maine, the largest car insurance company is Progressive, which garners 14.87% of Maine's market share. The following table showcases Maine’s other biggest insurance companies.

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What Is the Average Cost of Car Insurance in Maine?

Considering the premium costs for the typical Maine driver, MoneyGeek calculated the average rates for comprehensive and collision insurance coverage. The typical driver is a 40-year-old male who has a Toyota Camry and a clean driving record. Depending on your location, driving history, age and credit score, your rates may be significantly lower or higher than these Maine averages.

  • Average Driver: $607
  • DUI: $987
  • Speeding Ticket: $800
  • Poor Credit Score: $1,048

Cheapest Car Insurance for Drivers With a DUI in Maine

From 2009-2018, 440 people in Maine were killed in alcohol-related car accidents. 1.5% of Maine residents report driving after drinking too much in the last 30 days. A conviction for driving under the influence in Maine leads to a minimum of 30 days of jail time and a minimum fine of $500. However, a DUI conviction also can negatively impact your car insurance rates, resulting in higher premiums. Check out the following estimates of what drivers in Maine can expect to pay for auto insurance if they receive a DUI.

Average Car Insurance Rates With a DUI

A DUI conviction can continue to negatively impact insurance rates for several years, in addition to the legal fees, fines and other expenses you may incur resulting from a DUI. To find the best rates with a DUI on your record, it’s important to shop around annually to see if specific companies may have more favorable evaluations of drivers with a DUI conviction.

Cheapest Car Insurance With Tickets in Maine

Moving violations such as speeding or distracted driving will negatively impact your car insurance rates. In fact, according to the National Highway Traffic Safety Administration, there were 128 distracted driving accidents in 2018, a key factor auto insurance companies in Maine use as an indicator of accident potential in the state. The following table features estimates of what drivers in Maine can expect to pay for car insurance if they get a speeding or distracted driving ticket.

Average Car Insurance Rates With a Ticket

The effects of a ticket on your car insurance rates may be short-term for a first-time offense or long-term for repeat offenders. To help you get the best rates under these circumstances, it’s important to shop for new rates each year when it’s time to renew your current policy. Checking with different insurance companies could result in a better rate.

Cheapest Car Insurance Companies in Maine for Drivers With Bad Credit

Many auto insurance companies take into account a driver’s credit score given it could indicate the likelihood of those drivers filing an insurance claim. Those with good credit scores — a credit score of 700 or higher is generally considered a good credit score – are viewed as less likely to file a claim than those with lower credit scores. According to Experian, the average credit score for Maine residents is 715.

The following estimates reflect what drivers in Maine could pay for auto insurance if they have a poor credit score. Consult with companies directly for a more personalized quote.

Average Car Insurance Rates for Drivers With Bad Credit

Because auto insurance companies do not weigh credit scores equally, your rate quote may be vastly different from insurer to insurer, particularly if you have a low credit score.

Cheapest Car Insurance Companies in Maine for Seniors

According to the National Highway Traffic Safety Administration, in 2017, 21.1% of drivers involved in fatal traffic crashes in Maine were ages 65 or older. To keep these numbers down, seniors living in Maine are subjected to stricter guidelines when it comes to driver’s license renewal.

Unlike younger residents, senior drivers in Maine must renew their driver’s license every four years instead of every six years. Also, according to the Maine Bureau of Motor Vehicles, once they turn age 62, seniors must have a vision test every time they renew their driver’s license. The following estimates reflect what seniors in Maine can expect to pay for auto insurance.

Average Car Insurance Rates for Seniors

Car insurance quotes for seniors vary based on their individual circumstances and the insurer issuing the quote. Therefore, it’s important to shop around each year before renewing your car insurance policy to ensure you receive the lowest rates.

Cheapest Car Insurance for Students in Maine

Most parents of teenagers and college students in Maine want to ensure their children are safe on the road without overpaying for car insurance. While having a teenage driver on your policy will drive the price of premiums up, you can reduce the impact on your wallet by investing in a car with a strong crash rating and proven safety features. Apart from those factors, you should also ask about discounts for good students and teens who take defensive driving courses. And it’s important to know your options for college-aged drivers planning on attending an out-of-state school.

Because students and teens are considered high risk due to their lack of driving experience, insurers often charge higher rates for their car insurance coverage. The good news is, according to the National Highway Traffic Safety Administration, the number of teen and student drivers who died in motor vehicle crashes has dropped. In 2016, 1,916 drivers ages 15 to 20 died in motor vehicle crashes. That number dropped 4% in 2017 to 1,830 drivers.

Parents in Maine who are expecting to add a young driver to their auto insurance plan can expect to pay the following estimates.

Average Car Insurance Rates for Students

Insurance Rate Information for Military Drivers and Veterans

If you're one of more than 800 active-duty military personnel living in Maine, you'll probably be able to get a discount on your auto insurance. The same holds true for more than 125,000 veterans living in the state. The major carriers, including USAA, Geico and AFI, all offer discounts to military members and veterans. This discount, coupled with a good driving record, can help military families cut costs.

With proof of insurance in hand, you can then take advantage of Maine's "Rapid Renewal" online service to register a vehicle, even if deployed out of state. The state government's insurance website has further details on the minimum requirements and best rates in Maine.

The following table showcases estimates of what active-duty military personnel and veterans can expect to pay in Maine for their car insurance. Always consult with an insurance company directly for a more personalized quote.

Average Rates for Maine service members

male
25 years$1,317
50 years$938
female
25 years$1,060
50 years$932

Car Insurance in Maine: What You Need to Know

If you register a car in Maine, you must insure it. Drivers can take their inoperable cars off of insurance if they also turn in the registration and license plate. If the car holds some value, talk to an insurance agent about how to keep the vehicle protected from incidents that might damage it while it's parked in the garage.

Proof of Insurance in Maine

Drivers in Maine receive an insurance card that they need to carry with them. Alternatively, they can use electronic proof of insurance. The card must show that a valid policy is in effect on the same car you’re driving. There are three times you'll need to show proof of insurance in Maine:

  • When registering a vehicle
  • When pulled over for a moving violation
  • If you're in an accident resulting in bodily injury or property damage exceeding $1,000

Minimum Liability Insurance Requirements in Maine

Maine has some of the highest minimum liability limits in the United States. This state also mandates several different types of coverage:

  • $50,000 bodily injury coverage per person
  • $100,000 bodily injury coverage per accident
  • $25,000 property damage
  • $50,000 uninsured/underinsured motorist coverage per person
  • $100,000 uninsured/underinsured motorist coverage per accident
  • $2,000 medical payments coverage per person

Even with this generous coverage, industry experts generally encourage consumers to purchase higher limits and additional coverages.

Alternatives to Insurance in Maine

Drivers who want to skip dealing with an insurance company have an alternative: they can get a certificate from a surety company. They can also deposit $127,000 in cash or securities with the state treasurer, then show the receipt to the Secretary of State. The Secretary of State then issues a certificate, which the driver must keep with them as proof of alternative insurance.

How Much Coverage Do You Need in Maine?

The minimum coverage levels required by Maine law may seem high, but they might not cover all of your potential costs in an accident. The right level for you depends on your assets and the value of your vehicle. Keep in mind that experts generally recommend liability policies of $100,000 per person and $300,000 per accident for adequate protection, according to the Insurance Information Institute.

Experts also recommend collision and comprehensive coverage for any vehicle you're not planning on driving into the junkyard within a few years. Unlike other policies, these types of coverage take care of your vehicle in case of accidents — both on the roadway and off.

Auto insurers in Maine have to provide three years of discounted rates to senior drivers (55 and older) who complete an accident prevention course, as long as no one living in their home has an accident or ticket on their record in the last three years. The amount of the discount is up to the insurers — as always, it's smart to shop around. Seniors can take the course again after three years to renew the discount.

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About the Author


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A long-time freelance writer, Karon Warren has covered finance, insurance, healthcare, business, travel and other topics for such outlets as Lending Tree, Student Loan Hero, Healthgrades, USA Today and others.


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